TellerScore

American Spirit Federal Credit Union is a federal credit union headquartered in Newark, Delaware, in business for about 63 years. At the end of Q2 2026 it reported $67.6M in total assets and $59.2M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, American Spirit Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 12% of 2,479 credit unions with under $100 million in assets. Among 15 credit unions headquartered in Delaware, it ranks 12th. Its strongest component is capital cushion (100/100; 19.12%), and its lowest is earnings (0/100; -1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.12%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.44%
Earnings0/100
Return on assets (annualized): -1.19%
Funding & liquidity100/100
Loans ÷ shares: 33.9% · 2.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (63 → 53), mostly because the earnings component weakened by 49 points.

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202460
Q1 202563
Q2 202563
Q3 202563
Q4 202561
Q1 202653
Q2 202653
Net worth ratio
7.00%13.06%19.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.02%
Q3 202417.58%
Q4 202417.89%
Q1 202518.38%
Q2 202518.99%
Q3 202519.05%
Q4 202518.83%
Q1 202618.99%
Q2 202619.12%
Delinquent loans (60+ days)
3.04%4.43%5.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.04%
Q3 20243.46%
Q4 20243.77%
Q1 20253.87%
Q2 20254.31%
Q3 20253.55%
Q4 20254.02%
Q1 20265.82%
Q2 20265.44%
Return on assets
-1.19%-0.23%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.21%
Q4 20240.28%
Q1 20250.66%
Q2 20250.72%
Q3 20250.69%
Q4 20250.42%
Q1 2026-0.62%
Q2 2026-1.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$67.6M19.12%5.44%-1.19%33.9%
Q1 202653$69.5M18.99%5.82%-0.62%34.4%
Q4 202561$70.7M18.83%4.02%0.42%37.5%
Q3 202563$70.5M19.05%3.55%0.69%39.3%
Q2 202563$70.2M18.99%4.31%0.72%42.9%
Q1 202563$71.7M18.38%3.87%0.66%44.0%
Q4 202460$73.1M17.89%3.77%0.28%46.5%
Q3 202459$74.2M17.58%3.46%0.21%48.7%
Q2 202459$76.0M17.02%3.04%0.13%48.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.12%
74th
Problem loans5.44%
5th
Net charge-offs3.00%
3rd
Return on assets-1.19%
6th
Loans to deposits33.9%
85th
Uninsured deposits2.0%
44th
Loan-loss reserves0.00%
37th
Texas ratio8.5%
16th

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Eagle One Federal Credit UnionCredit union Claymont, DE44 out of 100, Below average$90.4M10.5%3.66%vs
Edu Federal Credit UnionCredit union New Castle, DE34 out of 100, Low$44.2M6.8%2.57%vs
New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$33.3M12.0%0.00%vs
Priority Plus Federal Credit UnionCredit union Wilmington, DE74 out of 100, Strong$23.3M17.6%1.10%vs
Wilmington Police & Fire Federal Credit UnionCredit union Wilmington, DE59 out of 100, Moderate$14.3M14.7%2.45%vs
Provident Federal Credit UnionCredit union Dover, DE64 out of 100, Moderate$11.9M14.1%1.75%vs

Deposit insurance

Is my money safe at American Spirit Federal Credit Union?

Yes. American Spirit Federal Credit Union is a federally insured credit union (NCUA charter #15426). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.0% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

American Spirit Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
American Spirit Federal Credit Union
Type
Federal credit union
NCUA charter #
15426
RSSD ID
453688
Primary regulator
NCUA
Established
1963
Headquarters
1110 Elkton Rd, Newark, DE 19711
Employees
16

Quick answers

American Spirit Federal Credit Union: common questions

Is American Spirit Federal Credit Union NCUA insured?

Yes. American Spirit Federal Credit Union is a federally insured credit union (NCUA charter #15426). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is American Spirit Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does American Spirit Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Newark

InstitutionScoreAssetsCapitalProblem loansCompare
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs
Deutsche Bank Trust Company DelawareBank Newark, DE93 out of 100, Very strong$141.4M93.2%0.00%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs
Steamfitters Phila Federal Credit UnionCredit union West Chester, PA87 out of 100, Very strong$744K15.5%0.00%vs
Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$4.1M25.8%0.82%vs